| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3850 N CASUEWY STE 1050 METAIRIE, LA 70002 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $58K | — | $58K | 4.32% |
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY STE1050 STE 1050 METAIRIE, LA 70002 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $6K | — | $6K | 4.47% |
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY 1200 METAIRIE, LA 70002 | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | $5K | — | $5K | 11.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 14.50% |
| STEVEN MULLEN3 | 14239 DENHAM RD PRIDE, LA 70770 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $474 | — | $474 | 3.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LA INC | 9026 JEFFERSON HWY BATON ROUGE, LA 70809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | — | $96 | 0.81% |
| CREATIVE EMPLOYEE BENEFIT SERVICES3 Filed as: CREATIVE EMPLOYEE BENEFIT SERVCES | PO BOX 83278 BATON ROUGE, LA 70884 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 0.68% |
| BSK BENEFITS PLUS LLC3 | 585 BEAU CHENE DR MANDEVILLE, LA 70471 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.40% |
| ELYSIAN INSURANCE AGENCY3 | 4736 WEST NAPOLEON AVE METAIRIE, LA 70001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.08% |
| USI INSURANCE SERVICES LLC | 3850 N CAUSEWAY 1200 METAIRIE, LA 70002 | HUMANA HEALTH BENEFIT PLAN OF LOUSIANA, INC. | $827 | — | $827 | 100.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA HEALTH BENEFIT PLAN OF LOUISIANA, INC. | 96 | $42K |
| Vision | HUMANA HEALTH BENEFIT PLAN OF LOUSIANA, INC. | 110 | $827 |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 117 | $29K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $18K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 19 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.